At MetLife, our professionals craft structured risk solutions that allow you to focus on building your organization, achieving your goals and realizing your vision.

We specialize in analyzing and managing complex risks, even those that may seem unmanageable. Using a consultative approach, our team of specialists identifies your risks, their root causes, potential additional exposures, and the impact of the unexpected – all of which can interfere with the attainment of your organization’s strategic goals. In partnership with you, our solutions are designed to help limit your risk and mitigate your exposure.

The Benefits of Structured Risk Solutions

MetLife’s Structured Risk Solutions provide a variety of innovative risk management strategies to help you manage your liabilities. Our collaborative approach is designed to help you to solve business problems, meet strategic objectives, smooth earnings and reduce balance sheet volatility.

We can provide you with time-tested traditional solutions, but we can also help you to deal with seemingly unmanageable and often unique risks by going beyond traditional product-driven strategies to design tailor-made solutions for your specific problems with genuine economic advantages.

We develop customized solutions which are designed to help you to attain your business and financial objectives while meeting the challenges of regulatory, tax and accounting constraints. The case studies in this brochure illustrate some of the specialized solutions that we have crafted for our clients.

Do you:

• Seek solutions that create value rather than simply lower cost?
• Have a material risk that is uninsurable using traditional techniques or for which the conventional market is too expensive or restrictive?
• Believe good risk management can enhance your competitive advantage?
• Want a partner that can think strategically and act opportunistically to seize upon market conditions?
• Seek solutions that are tax and/or accounting efficient?
• Already link risk management with strategic planning?

Creating Value From Risk

Our collaborative approach begins with a thorough risk assessment. We sit down with you to gain an understanding of your organization and its challenges. Then, using sophisticated risk modeling, we identify and measure your exposure and determine which risks you can efficiently retain and which can be eliminated or transferred. Working together with you, we then develop a customized solution that enables you to address your specific financial, investment and operational challenges.

After we quantify your risks, we create solutions together to help you address your specific financial, investment and operational challenges. We consider ourselves a part of your team. We stay with you every step of the way and provide ongoing consulting to help you manage your current strategy and deal with the challenges of tomorrow.

Our specialists will work with you to:

• Stabilize your risk transfer costs
• Provide rating agency and regulatory relief
• Help you meet contractual obligations
• Facilitate merger/acquisition transactions.

• Why MetLife?

• Experience. We have a 30-year track record of designing structured risk solutions.
• Expertise. Managing risk is one of MetLife's core competencies. Our extensive actuarial, investment, capital markets, tax, accounting and legal/regulatory knowledge and experience fuels our innovative thinking and problem solving.
• Flexibility & Diversification. We can offer a variety of alternatives based on a thorough analysis of a client’s needs and objectives.
• Financial Strength. With respect to guaranteed products, MetLife is recognized for its financial soundness and strength by all the major credit rating agencies.
• Client Focus. We use a consultative approach and provide seamless client service, which makes it easier for you to do business. You can benefit from our ready accessibility and our commitment to accountability.
• Commitment. We are a proven market leader with more than 30 years of retirement and savings experience and more than 137 years of providing financial services that meet our clients’ evolving needs

A Blend of Opportunities

At MetLife, we can design and implement flexible, proactive solutions. We welcome the opportunity to work with you to explore the challenges you face. Please call 1-888-217-1858 to schedule a stable value, risk transfer or enhanced index meeting or 1-800-638-0051 Ext. 2 to schedule a structured settlement meeting.

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this web site is not intended to (and cannot) be used by anyone to avoid IRS penalties. This web site supports the promotion and marketing of annuities. You should seek advice based on your particular circumstances from an independent tax advisor.

Variable life insurance and annuities issued by Metropolitan Life Insurance Company, New York, NY 10166, and distributed by MetLife Investors Distribution Company (member FINRA), Irvine, CA 92614. Securities, including variable products, offered through MetLife Securities, Inc. (member FINRA/SIPC), New York, NY 10166. Metropolitan Life Insurance Company, MetLife Investors Distribution Company, and MetLife Securities, Inc. are affiliates.

Stable Value
MetLife understands that retirement plans and other institutional investors have varying investment objectives. A common theme however, is stable value. Unlike other investments, stable value offers attractive returns comparable to intermediate-term bonds but with the daily liquidity, low volatility and low risk similar to money market funds. Stable value can help investors find the right balance between risk and reward.

Torts and Settlements
By some estimates, more than $261 billion annually moves through the U.S. tort system (Tillinghast, 2006). Of that total, approximately 64% - or $167 billion - is paid to claimants and plaintiffs (or to their attorneys). MetLife offers innovative strategies for complex litigation settlements. We provide integrated, comprehensive solutions and implementation programs to help structure settlements that are mutually beneficial to defendants and plaintiffs.

Alternative Risk Transfer
Our collaborative approach begins with a thorough risk assessment. We sit down with you to gain an understanding of your organization and its challenges. Then, using sophisticated risk modeling, we identify and measure your exposure and determine which risks you can efficiently retain and which can be eliminated or transferred. Working together with you, we then develop a customized solution that enables you to address your specific financial, investment and operational challenges.

Transfer of Certain Pension Plan Risks
Pension plans can expose sponsors to multiple risks. External factors such as fluctuations in the financial markets, demographic shifts and changing legal and regulatory requirements can lead to unexpected cash flow needs, balance sheet volatility and increased administrative responsibilities. MetLife can help craft a solution that is designed to reduce overall risk and enables plan sponsors to focus more on core business needs.